Also my account is worthless in your opinion, now is worth less thanks to you
Yeah. Worthless. Exactly.
Bitcointalk accounts shouldn't be used as collateral in the first place. Or, if you want to, you should value it at 0 BTC. Otherwise, loans can just be used as disguised account sales. And there are plenty of examples in the Lending section.
And he had to shitpost my reputation to tell me this account can't be used as collateral?